• Report: #487978
Complaint Review:

JP Morgan Chase

  • Submitted: Mon, August 31, 2009
  • Updated: Fri, September 11, 2009

  • Reported By: Sharon — Sacramento California USA
JP Morgan Chase
1301 Second Avenue Seattle, Washington United States of America
  • Phone: 8007887000
  • Web:
  • Category: Banks

JP Morgan Chase Washington Mutual WaMU/Chase - Debit Fraud Claim Denial - and why not - you have NO recourse. Seattle, Washington


* : I don't blame you

* : Update - more runaround and dishonesty


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I was actually looking for what to provide WaMu/Chase so they would consider reopening my fraud claim when I came upon multiple online reports of what seems to be their standard operating procedure of just denying claims outright.

I noticed a $200 withdrawl from my banking account at a Citibank atm all the way across town on a day that I was in non stop meetings at work. I contacted WaMu/Chase's fraud claim number right away. I was told that based upon this being an atm withdrawl, my card was most likely skimmed. I later came to find out that I have a neightbor who's card was also skimmed, so this most likely took place at a nearby atm we both use.

The representative form WaMu/Chase told me that the funds would be recredited to my account (this would take 7 - 10 business days), an investigation would be opened, and that an affidavit would be mailed to my home for me to fill out. They counseled me not to close my account, but merely to get a new card since they felt only the card had been compromised. They would issue me a new card. In the mean time I filed a police report with my local Sheriff.

Of course the amount was never credited and the affidavit never came. On the 7th business day I receive a letter from Wamu/Chase stating that my claim had been denied because I gave permission to the person who used my debit card. This is highly unlikely since I live alone, and my closest relatives are out of state.

I called the number right away to find out if they could tell me who they determined that I gave permission to use my card. No they could not tell me that. They did say that since the PIN had been entered correctly that that was an *obvious* indication that I had given permission to use my card. That and the fact that only $200 had been stolen. So apparently I wasn't robbed *enough*. I wanted to speak with Alex Wilson (probably a pseudonym), the investigator on my claim, to know how he had decided to deny the claim. I was told that there was no way to do that, he only worked in writing; or for that matter there was no way for me to speak to a supervisor.  I was told there was nothing I can do, unless I could come up with further evidence that the withdrawl was fraudulent. I asked what further evidence WaMu/Chase would accept, and they refused to tell me.

Just on a hunch, I called Citibank to see if anyone had requested to see the atm videotapes from that day. The woman I spoke to at Citibank was slightly more helpful, saying that, yes, those infamous Wamu/Chase "backroom" investigators would have most likely contacted Citibank to view the tape if they were trying to prove I was lying (which is basically what Chase is accusing me of at this point). Except no one had contacted the branch to see their tapes. I don't know if she was supposed to tell me that, or the next thing she said which was "you would think that if they were going to deny your claim, they would want to have proof to show you why they were denying it."

You would think, but so far Chase can't explain to me how they "know" I gave a complete stranger permission to steal $200 from me. I'm lucky it's only $200 and the  overdraft fees that Chase stole from me as a result, and not the thousands I have heard others have lost at the hands of this bank.

And really, why should they explain? As the system is set up now, we have no protection for our money as it sits in Chase's system, and no recourse against Chase's draconian self protections if our identity and funds are stolen. Tomorrow I go to open a different checking account at another bank. I guess that's all I can do.

This report was posted on Ripoff Report on 08/31/2009 06:28 PM and is a permanent record located here: http://www.ripoffreport.com/reports/jp-morgan-chase/seattle-washington-98101/jp-morgan-chase-washington-mutual-wamuchase-debit-fraud-claim-denial-and-why-not-yo-487978. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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AUTHOR: Karl - (U.S.A.)

Then 'Google' this- JP MORGAN CHASE COMPLAINTS SECRET LIFE INSURANCE POLICIES, and read that article. And then 'google' this- BANK EXECUTIVES PROFITING ON THE DEATH OF EMPLOYEES, and read how Jp Morgan Chase has $11 BILLION in secret life insurance policies on its own employees. BofA has $17 BILLION, and so does Wells Fargo, according to that article!



Thank you.

P.S. I wonder if there are Americans who are making copies of those articles andgoing into these banks & passing them out to the EMPLOYEES of all the banks mentioned? That could certainly create a lot of negative opinions by the employees at all these banks, huh? Imagine learning that the company where you worked had a 'SECRET LIFE INSURANCE POLICY' out on your life! WOW! It would be difficult to concentrate at work each day knowing that the executives don't really care about you, right? 

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I don't blame you

AUTHOR: Steph - (USA)

I was with them when it was WAMU when Jpmorgan chase took over that bank went to hell. I closed my checking account with them and went to another bank. I now bank with Regions I have not had a problem with them yet. If there is a Regions in your area I would check them out if I were you.
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Update - more runaround and dishonesty

AUTHOR: Sharon - (USA)

Just wanted to update on this case.

I went to My Wamu branch on 9-1-09 to speak to a branch manager in person

We got fraud claims on the phone. They at that time promised to reopen my claim. I called Chase on 9-3-09 to check the status and found that they had not re-opened my claim, but at that time they did promise to re-open it and send me an affidavit.

Fast forward to yesterday 9-9-09, I was concerned that I had not received the affidavit, in the mean time I had to deal with an out-of-state family issue and a computer hard drive that completely died, so I was worried and wanted to follow up. On my 9-09-09 phone call I was told that the claim had never been re-opened, and they would do so now, after I mailed them the sheriff's report. Chase never officially requested the Sheriff's report, not in their initial investigation, not after I asked them to reopen the claim. Wow - not misunderstanding, not miscommunication - straight up LIED to 3 times!!!

In the mean time the sheriff kindly points out that what the Chase Fraud rep was so adamant was skimming was most likely a point of sale PIN compromise. I didn't know any better and I am pretty sure Chase was counting on that. Sheriff was kind enough to sit with me while I discussed possible transactions where PIN compromise could have occurred. There were two. Just today I have also confirmed that chase is charging me for the balance inquiry that was made by the person who stole money out of my account. Lovely.

 I also made an official complaint with Comptroller of the Currency Administrator of National Banks, Chase's regulating agency. Chase did not make a good faith investigation of this error, and could not have reasonably reached the conclusion they did from the evidence available. I believe they are in violation of EFTA, and have no intention of ever addressing the fraud that committed against me.

 In the mean time, I have reported fraud to the credit agencies, and opened an account at another bank, I have moved all the funds I can right now out of my Chase account, and once my direct deposit is successfully changed over I will close it.


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AUTHOR: Karl - (U.S.A.)

Perhaps it should be a 'BANKY-PANKY' alert, huh?


Thank you.

>>>>>>>>>>EXTRA, EXTRA, READ ALL ABOUT IT<<<<<<<<<<

'Google' this- YOUTUBE WALMART WANTS YOU DEAD, and watch that Youtube video.
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